Toledo Section 8 Rentals: Cheap Entry, Reliable Voucher Demand
Toledo is a Prime Section 8 market, where voucher rent routinely outpaces the open market for the same property. The median 3-bedroom voucher pays $1,315/mo across eight tracked ZIP codes in Lucas County, supporting a buy around $132,000 at a 1% rent-to-price target. That low entry point is what makes the cash-on-cash math work before financing.
Lucas County costs are middle-of-the-road for the region: 1.6% property tax and 0.7% insurance, neither of which quietly erodes the voucher spread. With entry prices this low, deal quality comes down to rehab scope and block. Run real Toledo listings against live voucher rents free on CloseHound before you commit capital.
Toledo HUD Section 8 voucher rents by ZIP (FY2026)
Official HUD Small Area Fair Market Rents — the voucher ceiling a landlord can collect in each ZIP, by bedroom count.
| ZIP code | 2-bed | 3-bed | 4-bed |
|---|---|---|---|
| 43604 | $970/mo | $1,250/mo | $1,310/mo |
| 43605 | $1,080/mo | $1,390/mo | $1,460/mo |
| 43607 | $1,030/mo | $1,320/mo | $1,390/mo |
| 43608 | $970/mo | $1,250/mo | $1,310/mo |
| 43609 | $1,100/mo | $1,410/mo | $1,490/mo |
| 43610 | $1,010/mo | $1,300/mo | $1,360/mo |
| 43611 | $1,020/mo | $1,310/mo | $1,380/mo |
| 43612 | $1,130/mo | $1,450/mo | $1,530/mo |
Source: HUD FY2026 SAFMR. CloseHound underwrites live listings against these exact ceilings.
More Section 8 markets in Ohio
Toledo Section 8 FAQ
What is the Section 8 voucher rent for a 3-bed in Toledo?+
Toledo's median 3-bedroom voucher payment standard is about $1,315/mo for FY2026, with tracked ZIPs ranging from $1,250 to $1,450.
Is Toledo a good Section 8 market?+
Yes. CloseHound grades Toledo Prime, meaning voucher rent routinely beats market rent and the median voucher supports a roughly $132,000 buy, one of the cheaper entry points we track.
What does it cost to own a rental in Toledo?+
Lucas County runs about 1.6% effective property tax and roughly 0.7% insurance, leaving solid room in the $1,315/mo voucher spread.
How do I find cash-flowing Section 8 deals in Toledo?+
Screen Toledo listings in the voucher-strong ZIPs through CloseHound against the live 3-bed voucher rent and the 1.6% tax to confirm real cash-on-cash before you offer.
Screen Toledo deals free
See which Toledo listings actually cash-flow on the voucher — underwritten and ranked by Deal Score.
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